Planning a renovation for your home in Stratford or a major project on your farm near Kitchener? When you bring in a specialized subcontractor, you’re not just hiring an extra set of hands—you’re building a team to protect what matters most. But before the work begins, it’s crucial to lay a solid foundation of trust and security. At Strong Roots Insurance, we believe that being your neighbours means helping you think ahead, ensuring you’re protected from unexpected risks.
Here are a few key points to remember when hiring a helping hand in our community:
1. Check Their Insurance
Before any work begins, it’s a good idea to ask for their Certificate of Insurance. This document provides peace of mind that they have their own liability coverage. If an accident happens while they’re working, their policy should be the first to respond. Taking this simple step can help prevent a costly or complicated claim on your own home or business insurance policy.
2. Get It in Writing
A handshake might feel right, but a clear, written contract is your best protection. A good contract outlines the scope of work, project timeline, payment schedule, and—most importantly—specifies the insurance and liability responsibilities of both parties. This transparency helps avoid misunderstandings down the road and provides a clear point of reference if anything goes wrong.
3. Review Your Own Policy
Even with the best precautions, it’s wise to review your own coverage. Contact your Strong Roots Insurance broker to discuss your planned project. We can help you understand how your existing residential or commercial policy responds to a claim involving a subcontractor. Some policies may have specific conditions or endorsements related to third-party work, and we can ensure you have the comprehensive coverage you need to feel secure.
At Strong Roots, we’re more than just a brokerage; we’re your trusted partner in navigating life’s risks. We’re proud to serve rural Ontario communities, providing personalized solutions and expert advice. By taking these simple steps, you can focus on the final result, knowing your home, farm, or business is well-protected.
